Updated Bhadra 2083 · 20 banks · 160 products
Find Nepal's cheapest loan in 60 seconds
Every commercial bank's real, dated interest rate in one table. Check your eligibility, see your EMI, and send one application to the bank you choose. In Nepali or English.
Base rates this month
- Standard Chartered Bank Nepal0.26%5.72%
- Rastriya Banijya Bank0.26%5.86%
- Everest Bank0.26%5.94%
- Nepal SBI Bank0.27%6.12%
- Nepal Bank Limited0.28%6.23%
- Nepal Investment Mega Bank0.27%6.31%
Cheapest rates right now
Lowest effective floating rate per category, base rate plus premium, as published this month.
Standard Chartered Bank Nepal
SCB Home Loan
Effective rate
7.72%– 8.67%Monthly EMI
Rs. 46,978
- Base rate
- 5.72%
- Premium
- 2%–2.95%
- Processing fee
- 0.75%
- Effective from
- Bhadra 2083
Standard Chartered Bank Nepal
SCB Auto Loan
Effective rate
8.29%– 8.93%Monthly EMI
Rs. 30,623
- Base rate
- 5.72%
- Premium
- 2.57%–3.21%
- Processing fee
- 1%
- Effective from
- Bhadra 2083
Nepal Bank Limited
NBL Personal Loan
Effective rate
10.31%– 11.75%Monthly EMI
Rs. 16,206
- Base rate
- 6.23%
- Premium
- 4.08%–5.52%
- Processing fee
- 1%
- Effective from
- Bhadra 2083
Rates shown are base rate plus the bank's published premium. Fixed-rate options are listed where the bank offers them.
Why borrowers switch to Sasto Karja
Real rates, with dates
Base rate plus premium for every product, with the effective date and a link to the bank's own publication. No 'contact us for rates'.
Eligibility before you apply
Our scorer uses NRB's 50% debt-to-income rule and each bank's own limits to tell you which banks will say yes, before a hard enquiry.
One application, your choice of bank
Submit once. Your application goes straight to the bank you picked, with a document checklist and status tracking.
Rate alerts
Base rates change every month. Get an email the moment your bank or loan type moves.
Buy now, pay monthly
Phones, laptops and appliances on EMI from 15+ lenders. Compare the real cost before you swipe, including the processing fee that 0% offers hide.
Calculators that actually answer your question
Eleven tools, each with a full breakdown you can share or download.
Base rates this month
Every commercial bank, sorted lowest first, with last month's change.
| # | Bank | Base rate | Change |
|---|---|---|---|
| 1 | Standard Chartered Bank Nepal | 5.72% | 0.26% |
| 2 | Rastriya Banijya Bank | 5.86% | 0.26% |
| 3 | Everest Bank | 5.94% | 0.26% |
| 4 | Nepal SBI Bank | 6.12% | 0.27% |
| 5 | Nepal Bank Limited | 6.23% | 0.28% |
| 6 | Nepal Investment Mega Bank | 6.31% | 0.27% |
| 7 | Global IME Bank | 6.44% | 0.26% |
| 8 | NMB Bank | 6.48% | 0.28% |
| 9 | Nabil Bank | 6.52% | 0.22% |
| 10 | Sanima Bank | 6.59% | 0.25% |
Guides in plain Nepali and English
Business loans
Subsidised and concessional loan schemes in Nepal: agriculture, women entrepreneurs, youth and returnees
The government pays 5 to 6 points of your interest on around ten categories of concessional loans, from Rs 5 lakh for a returnee's business to Rs 5 crore for commercial farming. Here is how the subsidy actually flows, who qualifies and what to ask the bank.
Basics
How the base rate works in Nepal, and why your EMI changes every quarter
Every Nepali bank publishes a base rate monthly. Your floating loan rate is that number plus a premium. Here is exactly how it is calculated and when it hits your EMI.
Basics
Floating vs fixed interest rate in Nepal: which one should you take?
Floating loans follow the base rate every quarter; fixed loans lock a higher number for three to five years. Here is how banks price the difference and when each one wins.
Common questions
Is Sasto Karja a bank?+
No. We compare loans and forward your application to the bank you choose. The bank makes the credit decision.
Where do the rates come from?+
Each bank publishes a base rate monthly and premiums per product. We collect them from bank circulars and Nepal Rastra Bank, record the effective date, and mark each row verified once checked.
Does checking eligibility affect my credit score?+
No. Our eligibility check is a rule-based estimate on our side. Nothing is sent to the Credit Information Bureau until a bank processes your application.
Is it free?+
Yes, for borrowers. Partner banks pay us for qualified applications.